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The hen-some winners of Australia's next top chicken awards

<p>The winners of Australia's Next Top Chicken competition have been crowned, with the winners ranging from feathered and fluffy, to just utterly fabulous. </p> <p>The annual competition, run by <a href="https://www.thegoodlifebackyard.com.au/australias-next-top-chicken-competition/" target="_blank" rel="noopener">Good Life Backyard</a>, gives farm enthusiasts a chance to show off their feathered friends, with the competition receiving hundreds of entrants this year. </p> <p>Tens of thousands of votes were cast by the public, ultimately crowning a Buff Laced Polish Frizzle, named Little Bird, the top chook for 2024. </p> <p>The top award is given to a chicken that embodies all the qualities of a standout star, and will be featured in the coveted spot on the 2025 Top Chicken calendar. </p> <p>The winner of Australia's next top rooster is Big Boy McFuzzle, who rules the roost with presence and charisma.</p> <p>Awards were also handed out to the funniest picture, as well as two random prize winners. </p> <p>Each year competition organisers draw random entries "ensuring everyone has a shot at winning".</p> <p>"Every chicken deserves a chance," organisers said.</p> <p>"This year's event was such a wonderful display of all breeds, abilities, disabilities and dedication to raising healthy, happy chickens."</p> <p><em>Image credits: Good Life Backyard</em></p> <p style="box-sizing: border-box; margin: 0px 0px 16px; padding: 0px; border: 0px; font-stretch: inherit; font-size: 18px; line-height: 24px; font-family: proxima-nova, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; vertical-align: baseline; color: #333333; caret-color: #333333;"> </p>

Family & Pets

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Five tips to help you start new hobbies in retirement

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/alison-bishop-1522973">Alison Bishop</a>, <a href="https://theconversation.com/institutions/university-of-east-london-924">University of East London</a></em></p> <p>Retirement can be an exciting but also scary prospect for many. How you fill your time is totally up to you, but with so many choices it can be a bit daunting. But it’s important to make sure you keep active, physically and mentally.</p> <p>Hobbies can <a href="https://www.careuk.com/help-advice/why-are-long-lost-hobbies-important-for-older-people">increase wellbeing</a> by boosting brain function, enhancing social skills and improving fine motor skills. <a href="https://www.researchgate.net/publication/366160647_Psychological_benefits_of_hobby_engagement_in_older_age_a_longitudinal_cross-country_analysis_of_93263_older_adults_in_16_countries">A study carried out in 2022</a> found that spending time on hobbies was associated with lower symptoms of depression and a perceived increase in a person’s sense of health, happiness and overall life satisfaction.</p> <p>However, many older people don’t take up hobbies for all sorts of reasons. This might include fears that they are not as good at something in their older age as they were when they were younger. This fear of trying new things can lead to increased feelings of <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4338142/">loneliness and isolation</a>.</p> <p>Here are five tips using <a href="https://ppc.sas.upenn.edu/sites/default/files/ppintroarticle.pdf">positive psychology</a> that could help you or someone in your life if they are scared or nervous about picking up a hobby.</p> <h2>1. Broaden your strengths</h2> <p>Our idea of what we are good at is formed at a very young age and often reflects subjects that we were good at in our school days. Positive psychology’s “<a href="https://www.viacharacter.org/character-strengths-and-virtues">theory of strengths</a>” encourages us to think more broadly about what constitutes a strength. For instance, it considers curiosity, kindness and bravery as strengths. When applied to choosing a hobby, it means that if you believe one of your strengths is kindness, you could consider working in outreach or charity as a hobby or spending time speaking with people who are housebound.</p> <h2>2. Find activities you already enjoy</h2> <p>The “<a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1693418/pdf/15347528.pdf?inf_contact_key=9944754ba1372fa9ce5ee1421d8427bc">broaden and build theory”</a> suggests that when we feel positive emotions such joy or love, we are more likely to engage in new activities, thoughts and behaviours. It follows then, that if you look at times in your life when you experience these emotions this could help you start a new hobby. So, if you enjoy walking in the countryside, then the theory suggests that those feelings would enable you to join a rambling club.</p> <h2>3. Remember moments you’ve lost track of time</h2> <p>Another way to identify an activity that would be good to do is by using “<a href="https://www.medicalnewstoday.com/articles/flow-state#what-it-is">flow theory”</a>. This suggests that when we are doing something that we become completely absorbed in, that our brainwave patterns change and we can lose track of time. For this to happen, we need an activity that is meaningful to us to complete, with just the right amount of challenge so that it is not too easy or too hard.</p> <p>An exercise that reveals your personal flow template involves looking back on your life to find as many times as possible when you’ve been doing something and completely lost track of time. Write these down and see if these moments have anything in common. For example, are they all creative activities or all outdoors and physical? This will reveal something about yourself and the type of activity that is aligned with who you are, and could suggest new hobbies.</p> <h2>4. Be kind to yourself</h2> <p>“<a href="https://self-compassion.org/">Self-compassion theory</a>” teaches us the importance of being as kind to ourselves as we would be to a friend. When we are thinking about what we are good at, we can be unkind to ourselves by comparing ourselves unfavourably to others or to an imagined high standard.</p> <p>Self-compassion theory states that our imperfections make us human, and it is our shared knowledge of this that connects us to others. Where a goal in an activity is kindness with ourselves and those doing the activity with us rather than performance, we can access a new more meaningful reason to take part in something.</p> <h2>5. Imagine your perfect day</h2> <p>The last tip from positive psychology involves creating <a href="https://www.thepositivepsychologypeople.com/reflections-on-a-beautiful-day/">a story of the perfect average day</a> and then planning to actually live it. How do your hobbies fit into this? How does this day tap into your broadened idea of your strengths? How does it include kindness to yourself and others?</p> <p>It also helps to identify goals either for retirement more generally or for participating in a hobby. By picturing the perfect average day you can create more meaning and purpose in life by seeing how all the parts of your life fit together. It also reveals short term goals for example, if you plan to go to an art club but can’t get there, then a goal could be asking for a lift from another club member. When these pieces are in place, hope is ignited, and a vision created of how life can go forward so that you really can live your best retired life.<!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/alison-bishop-1522973">Alison Bishop</a>, Lecturer in Positive Psychology Coaching, <a href="https://theconversation.com/institutions/university-of-east-london-924">University of East London</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-to-help-you-start-new-hobbies-in-retirement-226764">original article</a>.</em></p> </div>

Retirement Life

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Teen actress' parents share update after five-storey fall

<p>Mamie Laverock's parents have shared a promising update with fans, after she was left fighting for her life following a five-storey <a href="https://www.oversixty.com.au/health/caring/teen-actress-on-life-support-after-devastating-mishap" target="_blank" rel="noopener">fall</a>. </p> <p>Her parents Nicole and Rob updated their GoFundMe page for the 19-year-old and said that she was “out of her big surgeries," and confirmed that doctors say she's “doing well.”</p> <p>"Mamie is out of her extensive surgeries and the doctors say she is doing well," they wrote.</p> <p>“It’s impossible for us to be happier,” her parents continued.</p> <p>“Thank you all for your support.”</p> <p>On May 11, Laverock experienced a “medical emergency” and was hospitalised in Winnipeg, Canada before being transferred to another hospital in Vancouver. </p> <p>At the time her parents said her recovery was “unclear", but she was “showing signs of improvement.” </p> <p>More than two weeks later, they shared a harrowing update on their daughter's condition informing fans that she was now on life support after she fell five stories from a balcony walkway while being escorted out of a secure unit in the hospital. </p> <p>Many of her <em>When Calls the Heart </em>co-stars took to social media to promote the crowd-funding page and express their heartbreak. </p> <p>“I love this family, my heart is broken. A devastating time for all who care for Mamie. Please help if you can. They need all the support they can get to make it through this,"  Laverock’s on-screen mother Molly Sullivan wrote on X. </p> <p>"I just donated. If you have the means to do so, I hope you will too. Link in bio,” wrote the show's leading actress Erin Krakow.  </p> <p>The fundraiser has now exceeded the $30,000 CAD target, raising almost $33,000 CAD. </p> <p><em>Image: GoFundMe</em></p> <p> </p>

Caring

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Julie Goodwin shares her top tips for perfect potatoes every time

<p dir="ltr">Who doesn't love a good, hearty, delicious serving of fluffy and decadent potatoes?</p> <p dir="ltr">Original <em>MasterChef Australia</em> champion Julie Goodwin has shared her ultimate hacks for cooking the perfect potatoes every time, whether they’re mashed, roasted or baked.</p> <p dir="ltr">According to Julie, there are three key things every home cook needs to keep in mind the next time potatoes are on the menu. </p> <p dir="ltr"><strong>Make sure you have the right potatoes </strong></p> <p dir="ltr">Depending on whether you want baked, mashed, roasted, or any other way you want to prepare your potatoes, it all starts in the supermarket. </p> <p dir="ltr">"I find that for things like mashed potatoes and gnocchi and rostis you want a floury potato, so the general rule is dirty potatoes for those things," Julie told <em><a href="https://kitchen.nine.com.au/latest/julie-goodwin-top-three-tips-to-cook-potatoes-robertson-potato-festival/4d16ba12-bf14-4af2-990e-dcf0e89c30ee">9Honey</a></em>.</p> <p dir="ltr">"And then for stuff like potato salads, boiled baby potatoes, and potato bake, it's better to have a waxy potato because they hold their substance better. And those are the ones that are sold clean, so things like the Pontiac and Desiree with the pink skin or the washed potatoes with the white skin."</p> <p dir="ltr">"If you want to use them in an Irish stew to break down and thicken the sauce you've got to use a floury potato," she says. "So tend to your dirty ones."</p> <p dir="ltr">She says that if you're buying a clean, waxy potato, you won't have to peel them since the skin is supposed to be edible.</p> <p dir="ltr">However, if you're buying a dirty, floury potato, then you're going to want to peel the dirt off first and then wash off the residue.</p> <p dir="ltr"><strong>Get those crispy edges </strong></p> <p dir="ltr">As every home cook knows, the key to the perfect roasted potato is for the inside to be soft and fluffy while the outside stays crispy. </p> <p dir="ltr">It can be a tricky balance to master, but Goodwin says there's a simple way to get it right every time.</p> <p dir="ltr">"I like to par boil them before I roast them. Just so that they go a bit fluffy around the edges," she explains. "What happens is those bits go really crispy and lovely."</p> <p dir="ltr"><strong>Let the flavour flow </strong></p> <p dir="ltr">When it comes to seasoning your potatoes, it's hard to know what flavours will suit your dish best. </p> <p dir="ltr">According to Goodwin, more is less when you season potatoes, so it's best to close the spice cabinet.</p> <p dir="ltr">"Salt is absolutely the number one, pepper's beautiful [but] it depends on what the meal is," she says. "So if you're doing a bit of a Portuguese or Spanish inspired meal you might put some paprika on there.”</p> <p dir="ltr">"But I really love rosemary and that's beautiful if you pound that up with your salt and put it on the potatoes that makes it really nice."</p> <p dir="ltr"><em>Image credits: Getty Images / Instagram</em></p>

Food & Wine

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Aussie cruising fanatics share their top cruise tips

<p dir="ltr">An Aussie couple who are dedicated to cruising have shared their top tips to keep in mind before setting sail. </p> <p dir="ltr">Marty and Jessica Ansen are about to set off on their 130th cruise and have made headlines around the world for their devotion to spending most of their lives at sea.</p> <p dir="ltr">Together they have sailed roughly 770,000 nautical miles over more than 2,300 days on board, which equates to more than six years spent at sea.</p> <p dir="ltr">The Brisbane grandparents, both 77, have just headed off on their tenth trip around the globe, which is also their 52nd consecutive cruise adventure. </p> <p dir="ltr">During all their time spent at seas, the Ansens have learned a thing or two about life onboard, and have shared their top ten tips to make time on a cruise ship as smooth sailing as possible.</p> <p dir="ltr">Their number one tip for cruise travellers is to take a backup credit or debit card, as Marty told<em> <a href="https://travel.nine.com.au/cruising/cruise-tips-couple-princess-cruises-marty-and-jessica-ansen-australia/c61281dd-c47a-41bf-b166-608b581eccdf" target="_blank" rel="noopener">9Travel</a></em>, "Replacing a lost or stolen card while overseas is not for the fainthearted."</p> <p dir="ltr">The Ansens recommend making a clear and legible copy of your passport, as consulates find it a lot easier if you can provide a copy ready to go when you disembark.</p> <p dir="ltr">After all their years at sea, Marty and Jessica are pro-packers, and recommend wearing all your heaviest clothing when you check in to better adhere to a strict weight limit. </p> <p dir="ltr">"Jessica and I have one piece of luggage, usually under 20kg," Marty said.</p> <p dir="ltr">"We also each have one bag of hand luggage. Going on board, regardless of weather, I wear my heaviest clothing."</p> <p dir="ltr">When it comes to packing, they also advise leaving your toiletries at home. </p> <p dir="ltr">"Leave consumables like shampoo, conditioner, toothpaste and any creams and potions at home as Princess (cruise line) provides basic toiletries and anything you do need can be bought at the first port," Marty said.</p> <p dir="ltr">Marty and Jessica also recommend packing all your essentials in your hand luggage, as it can often take a while for your checked bags to arrive in your cruise ship cabin. </p> <p dir="ltr">"Place all jewellery, passports, visas, medication money and credit/debit cards in your hand luggage for easy retrieval," Marty said.</p> <p dir="ltr">Marty said one thing every traveller must check before setting sail is what electrical connection is used onboard. </p> <p dir="ltr">"Check what electrical connection is used onboard and have the right adapter ready to charge your devices,' Marty said.</p> <p dir="ltr">Many ships have American and European plug points, while newer ones may have USB connections too.</p> <p dir="ltr">When it comes to bringing medications, the Ansens said you should always bring extras, as well as the required paperwork.</p> <p dir="ltr">"As an extra precaution carry copies of scripts so that if you do run out or lose your medications it will be easier to prove what you need to overseas pharmacies or doctors," Marty said.</p> <p dir="ltr">Lastly, like any overseas adventure, the Ansens said it is important to always have travel insurance, and to make copies of your policy. </p> <p dir="ltr"><em>Image credits: X (Twitter)</em></p>

Cruising

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Surprising move after top cop busted for speeding

<p>Victoria Police found themselves facing embarrassment recently when one of their top-ranking officers, Glenn Weir, was caught speeding.</p> <p>Weir, who serves as Victoria’s Road Policing Assistant Commissioner, was captured by a hidden speed camera in an undercover police car on February 29, traveling at 58km/h in a 50km/h zone.</p> <p>What makes this incident particularly noteworthy is not just the fact that a high-ranking police officer was caught breaking the law, but also the response Weir himself has taken. Despite being eligible to have the charge downgraded to a warning due to his clean driving record, Weir has chosen to accept the consequences – a $337 fine and a single demerit point penalty.</p> <p>In a statement addressing the incident, Weir expressed remorse and took full responsibility for his actions. He acknowledged the severity of the mistake, especially given his position as an advocate for road safety throughout his career.</p> <p>"I take full responsibility for this error and am mortified it has occurred," Weir said. "I’ve spent my entire career advocating for road safety and this incident proves nobody is immune from making a mistake on the road."</p> <p>Weir’s willingness to own up to his mistake sets an important example for accountability, not just within the police force but for all members of society. Moreover, his case underscores the importance of adhering to speed limits, with Victoria Police having long advocated for the correlation between speeding and road accidents. According to their data, speed is one of the leading causes of car crashes in the state, with the rise in the state’s road toll by almost 12% February 2023 to February 2024 further highlighting the urgency of addressing speeding and other reckless driving behaviours.</p> <p>Weir’s decision to accept the consequences of his actions demonstrates integrity and a commitment to upholding the principles of road safety. </p> <p><em>Image: 7 News</em></p>

Legal

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Christchurch attack victims' families reflect on tragedy five years on

<p>It's been five years since 51 men, women and children, were murdered in a terror attack when a white supremacist opened fire at Al Noor and Linwood mosques in Christchurch, New Zealand.</p> <p>Now, the victims' families have reflected on the tragic day, and commemorated their loved ones on the five-year anniversary of the attacks.</p> <p>Dr Maysoon Salama, who lost her son Atta Elayyan, 33, relives the grief of losing her son every day.</p> <p>“The pain is still fresh,” she told <em>7NEWS</em>.</p> <p>Five years on, the good memories she shared with her son still play back in her mind.</p> <p>“Atta was an amazing son,” she said. “He’s touched the lives of so many people.”</p> <p>Despite the tragedy, Dr Salama remains strong and finds herself healing through her granddaughter Aya.</p> <p>“I feel like I see her father when I see her,” she said.</p> <p>“It’s a really hard journey ... but she has always been my focus.”</p> <p>Aya was two when she lost her father, and Dr Salama was faced with the heartbreaking task of helping her granddaughter adjust to a life without her father.</p> <p>“When I look her in the eyes and she will ask, ‘Where is my dad?’, what am I going to tell her?” she recalled thinking.</p> <p>“How are we going to tell her when she’s so attached to her daddy? She loved him so much.”</p> <p>Dr Salama's husband, Mohammad Alayan, was among the dozens of people hospitalised following the attack, with doctors at the time saying he was “lucky to survive”.</p> <p>“He had been shot twice. One in his head and it affected his vision and one in his shoulder and she said it was just a few millimetres away from his heart,” Maysoon said.</p> <p>The couple run a Muslim childcare centre An-Nur, and have worked together to help children navigate New Zealand's darkest days.</p> <p>She recalled the sinking feeling when she first heard of the attacks while at work, and how her husband's first instinct was to tell her to protect herself and everyone at the childcare centre.</p> <p>“I got a call from my husband and he told me he was in hospital and that I have a big responsibility to protect the children and the teachers and lock down, close the doors because he was afraid the shooter would also come to our place because we are a Muslim childcare centre,” she said.</p> <p>“More families who were distressed started coming to pick up their children, and some of them even had blood on their shirts, some of them witnessed the thing.</p> <p>“It was really an awful situation.”</p> <p>Not long after, she learned that her own son had also been injured, but at the time had no idea of the reality of it all.</p> <p>Aya Al-Umari lost her brother, Hussein, on the fateful day.</p> <p>“It happened so suddenly, I had no time to grieve,” she said.</p> <p>Hussein spent the last moments of his life protecting other people, and even though Aya misses his hugs more than anything, she takes comfort in knowing that her brother's legacy will live on.</p> <p>“He had the opportunity to escape, but he didn’t,” she said.</p> <p>“He was running towards the terrorist.</p> <p>“It really goes to show, especially in his last moments, he was always a giver.”</p> <p>Both Aya and Dr Salama both take comfort in the belief that their loved ones died as as a Shahid – a true martyr who died in the name of their faith in Islam.</p> <p>Dr Salama hopes that the findings from last year’s coronial inquest, expected to be handed down this year, will provide a sense of closure to the victims' families.</p> <p>She also hopes that people will use the fifth anniversary of the shootings to reflect on the work that is yet to be done and call for more action in fighting Islamophobia and extremism.</p> <p>“We can fight Islamophobia by challenging the biases and educating ourselves also and intervening against discrimination.</p> <p>“See something, say something.”</p> <p>Canterbury's Muslim community will also gather today to honour the victims with a commemoration service at Masjid Annur in the evening, according to<em> <a href="https://www.rnz.co.nz/news/national/511744/muslims-mark-5th-anniversary-of-christchurch-mosque-terror-attacks" target="_blank" rel="noopener">RNZ</a></em>.</p> <p>Brenton Tarrant, who was behind the terror attacks, was sentenced to life in jail without parole – the first person in New Zealand's history to receive the sentence because his actions were deemed "so wicked".</p> <p><em>Images: 7News</em></p> <p> </p>

Caring

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Major claim in investigation into deadly house fire that killed five children

<p>The grandmother of five children who died alongside their father in a tragic house fire has spoken out, claiming her daughter had "begged" their landlord to fix the smoke alarms in the house.</p> <p>In August last year, Wayne Godinet, 34, died along with his four-year-old twins Kyza and Koa, his three-year-old son Nicky, and his stepsons Zack, 11, and Harry, 10, in a <a href="https://oversixty.com.au/news/news/6-beautiful-souls-family-break-silence-after-tragic-house-fire" target="_blank" rel="noopener">horrific blaze</a> in Queensland's Russell Island. </p> <p>Mr Godinet and his sons became trapped upstairs of the two storey home after he raced back into the house to save them, while the children's mother, Samantha Stephenson, 28, and her sister were able to escape the fire.</p> <p>On Wednesday, the owner of the rental property, 61-year-old Donna Rose Beadel, was charged by police over her alleged involvement in the tragedy.</p> <p>The family has spoken out in anger, with the grandmother of the five boys, Rebecca Stephenson, claiming that her daughter had spoken to the landlord about updating the smoke alarms in the property just one week before the fire. </p> <p>Ms Stephenson told the Courier Mail, “The week before it happened, Sam texted the landlady and asked for the smoke alarms to be updated.”</p> <p>She claims she knew of at least three times her daughter had asked for the smoke alarms to be fixed.</p> <p>“It was the first thing you noticed when you walked into the house, a smoke alarm hanging from the ceiling and then a marking of one in the kitchen that had been painted over,” she added.</p> <p>Police allege that Ms Beadel's property did not have compliant smoke alarms when the fire broke out, with police further alleging that she wasn’t present when the fire occurred.</p> <p><em>Image credits: Facebook</em></p>

Legal

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Five tips for developing and managing your budget – even in tough economic times

<p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p>There’s nothing quite like a new year to prompt us to take stock of our lives, our health, our goals – and our finances. Many people will start a new year by contemplating how best to budget, plan and save. This is always a good set of aims, but it’s especially important in the inflation-prone and unpredictable economies we’re seeing <a href="https://www.statista.com/statistics/268225/countries-with-the-highest-inflation-rate/">all over Africa and the world</a>.</p> <p>Budgeting is especially key. It is the most effective method to <a href="https://www.thebalancemoney.com/how-to-make-a-budget-1289587">monitor income and expenditure</a>. <a href="https://www.uslendingcompany.com/blog/key-differences-in-writing-a-household-budget-vs-a-personal-budget/">Personal budgets</a> can help you to monitor your resources in pursuit of larger financial goals. Budgeting also offers <a href="https://www.acrwebsite.org/volumes/v46/acr_vol46_2411998.pdf">more opportunities</a> to save money, reduce your debts and live a comfortable life. It can even <a href="https://prucomm.ac.uk/assets/uploads/blog/2013/04/Personal-Budgets-review-of-evidence_FINAL-REPORT.pdf">improve your mental health</a>.</p> <p>But where should you start? What questions do you need to answer in creating a budget? Here are some tips that I’ve learned – not just as an economist, but as a research cost analyst and someone who keeps a budget too.</p> <h2>1. Understand the broader economic conditions</h2> <p>It is imperative that individuals keep themselves aware and up-to-date on the realities of their country’s economic landscape. You don’t have to be a professional economist, but keep an eye on new developments like free business registration, small business development funds and printing of new money notes. What is the current exchange rate? What’s the political landscape and what international factors, like the price of crude oil, are at play? You should also watch the inflation rate and have a sense of unemployment trends.</p> <p>This economic awareness will prepare you to draft your own budget and you’ll have a sense of when external factors mean it’s time to revisit your plans.</p> <h2>2. Review your income sources</h2> <p>The ability to earn income is critical to sustaining livelihoods. Having a definite source of income is the bedrock of budgeting.</p> <p>Some important questions you should ask about your income – and how you might budget with it – include:</p> <ul> <li>What is my current income?</li> <li>What do I use my income for?</li> <li>Am I able to save, given my current income?</li> <li>What proportion of my income do I save and what proportion do I spend?</li> <li>Do I have the capacity to earn more than this?</li> <li>How can I improve my income?</li> </ul> <p>Your answers can help you to identify gaps or untapped potential. Those with irregular or unpredictable income should factor in the element of time-gap in their income, for effective budgeting. Time gap is when they are not earning income. And everyone should make allowance in their budgets for uncertainties like health issues, social engagements, inflation, unemployment, recession and price shocks.</p> <h2>3. Appraise your expenses</h2> <p>Expenses can be broadly categorised into “variable” and “fixed”.</p> <p>Fixed expenses recur within a short period: housing, food, transport, medical costs, electricity, utilities, toiletries and clothing. Variable expenses are more long-term and irregular, such as investment in property or interest-yielding assets, and the purchase of machinery.</p> <p>The main essence of revising our expenses is to analyse and possibly improve our spending habits. In reviewing our expenses, we can consider issues such as:</p> <ul> <li>What is the proportion of consumption-savings ratio from my income? This is how much do I spend compared to how much I save.</li> <li>What are my regular expenses?</li> <li>What are my fixed, capital or investment expenses?</li> <li>What are my extraordinary expenses that need modification?</li> <li>Have there been emergency or extraordinary expenses?</li> </ul> <p>A careful response to the issues raised above offers an occasion to re-evaluate the pattern and direction of our expenses. For instance, overspending, unplanned or extraordinary expenses can be identified. This can lead to an optimal, efficient reallocation of available resources.</p> <h2>4. Stabilise your finances through savings</h2> <p>Savings have been <a href="https://klinglercpa.com/bedrock-principles-for-saving-money/">described</a> as a financial stabiliser, given their potential to cater for urgent needs and create opportunities for investments.</p> <p>Of course, savings have more value when they grow faster than the rate of inflation. Inflation erodes the value of savings. For instance, an amount of 300,000 naira (US$676) saved to purchase an autorickshaw today may be impossible in two months’ time with an inflation rate of 10% when the tricycle price rises to 330,000 naira (US$744). The reverse is the case when there is deflation.</p> <p>Therefore, it is advisable to improve the value of savings through investments in interest-yielding assets such as stocks, shares, bonds, microfinance and production.</p> <p>That’s not to say it’s always easy to save. Many income earners spend as they go, not seeing savings as part of their budgets. Harsh economic realities can also make it difficult – sometimes seemingly impossible – to save. But it’s not impossible: savings can be made in small amounts, through a daily, weekly or monthly contribution to collections, cooperative schemes or microfinance affiliations. For instance, a point of sale business in Nigeria can permit a daily contribution of 500 naira (US$1.13) over 25 work days, giving an average saving of 12,500 naira (US$28.18) per month.</p> <p>The Point-of-Sale business started in Nigeria in 2013 when the Central Bank of Nigeria introduced the agent banking system. A POS agent operates and processes transactions through a POS service provider. Providers of such services include banks, microfinance banks and fintech companies.</p> <h2>5. Run a flexible budget</h2> <p>Once your budget is created, remember that it’s not set in stone. It should be flexible if anything changes in your life. For instance, an amount saved to buy a car can be invested in a promising venture buying shares through public offerings or private placements in multinational organisations like Nestle or Unilever.</p> <p>Also, health emergencies or career advancement programmes can require taking some money out of our savings.</p> <p>In all, budgeting should be flexible enough to incorporate exigencies, especially when catering for the current situation will culminate into a greater good.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/195590/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/oluwabunmi-adejumo-1370664">Oluwabunmi Adejumo</a>, Lecturer/Researcher, <a href="https://theconversation.com/institutions/obafemi-awolowo-university-2843">Obafemi Awolowo University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-tips-for-developing-and-managing-your-budget-even-in-tough-economic-times-195590">original article</a>.</em></p>

Money & Banking

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Mortgage and inflation pain to ease, but only slowly: how 31 top economists see 2024

<p><em><a href="https://theconversation.com/profiles/peter-martin-682709">Peter Martin</a>, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p>A panel of 31 leading economists assembled by The Conversation sees no cut in interest rates before the middle of this year, and only a slight cut by December, enough to trim just $55 per month off the cost of servicing a $600,000 variable-rate mortgage.</p> <p>The <a href="https://theconversation.com/au/topics/conversation-economic-survey-81354">panel</a> draws on the expertise of leading forecasters at 28 Australian universities, think tanks and financial institutions – among them economic modellers, former Treasury, International Monetary Fund and Reserve Bank officials, and a former member of the Reserve Bank board.</p> <p>Its forecasts paint a picture of weak economic growth, stagnant consumer spending, and a continuing per-capita recession.</p> <p>The average forecast is for the Reserve Bank to delay cutting its cash rate, keeping it near its present 4.35% until at least the middle of the year, and then cutting it to <a href="https://cdn.theconversation.com/static_files/files/3028/The_Conversation_AU_February_2024_Economic_Survey.pdf">4.2%</a> by December 2024, 3.6% by December 2025 and 3.4% by December 2026.</p> <hr /> <p><iframe id="xV821" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/xV821/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>The gentle descent would deliver only three interest rate cuts by the end of next year, cutting $274 from the monthly cost of servicing a $600,000 mortgage and leaving the cost around $1,100 higher than it was before rates began climbing.</p> <p>Six of the experts surveyed expect the Reserve Bank to increase rates further in the first half of the year, while 20 expect no change and three expect a cut.</p> <p>Former head of the NSW treasury Percy Allan said while the Reserve Bank would push up rates in the first half of the year to make sure inflation comes down, it would be forced to relent in the second half of the year as unemployment grows and the economy heads towards recession.</p> <p>Warwick McKibbin, a former member of the Reserve Bank board, said the board would push up rates once more in the first half of the year as insurance against inflation before leaving them on hold.</p> <p>Former Reserve Bank of Australia chief economist Luci Ellis, who is now chief economist at Westpac, expects the first cut no sooner than September, believing the board will wait to see clear evidence of further falls in inflation and economic weakening before it moves.</p> <hr /> <p><iframe id="ZQgno" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/ZQgno/7/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>Inflation to keep falling, but more gradually</h2> <p>Today’s <a href="https://www.rba.gov.au/">Reserve Bank board meeting</a> will consider an inflation rate that has come down <a href="https://theconversation.com/the-7-new-graphs-that-show-inflation-falling-back-to-earth-220670">faster than it expected</a>, diving from 7.8% to 4.1% in the space of a year.</p> <p>The newer more experimental monthly measure of inflation was just <a href="https://theconversation.com/the-7-new-graphs-that-show-inflation-falling-back-to-earth-220670">3.4%</a> in the year to December, only points away from the Reserve Bank’s target of 2–3%.</p> <p>But the panel expects the descent to slow from here on, with the standard measure taking the rest of the year to fall from 4.1% to 3.5% and not getting below 3% until <a href="https://cdn.theconversation.com/static_files/files/3027/The_Conversation_AU_2024_economic_survey.pdf">late 2025</a>.</p> <p>Economists Chris Richardson and Saul Eslake say while inflation will keep heading down, the decline might be slowed by supply chain pressures from the conflict in the Middle East and the boost to incomes from the <a href="https://theconversation.com/albanese-tax-plan-will-give-average-earner-1500-tax-cut-more-than-double-morrisons-stage-3-221875">tax cuts</a> due in July.</p> <hr /> <p><iframe id="buC9f" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/buC9f/6/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>Slower wage growth, higher unemployment</h2> <p>While the panel expects wages to grow faster than the consumer price index, it expects wages growth to slip from around <a href="https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/wage-price-index-australia/latest-release">4%</a> in 2023 to 3.8% in 2004 and 3.4% in 2025 as higher unemployment blunts workers’ bargaining power.</p> <p>But the panel doesn’t expect much of an increase in unemployment. It expects the unemployment rate to climb from its present <a href="https://www.datawrapper.de/_/w9h9f/">3.9%</a> (which is almost a long-term low) to 4.3% throughout 2024, and then to stay at about that level through 2025.</p> <p>All but two of the panel expect the unemployment rate to remain below the range of 5–6% that was typical in the decade before COVID.</p> <p>Economic modeller Janine Dixon said the “new normal” between 4% and 5% was likely to become permanent as workers embraced flexible arrangements that allow them to stay in jobs in a way they couldn’t before.</p> <p>Cassandra Winzar, chief economist at the Committee for the Economic Development of Australia, said the government’s commitment to full employment was one of the things likely to keep unemployment low, along with Australia’s demographic transition as older workers leave the workforce.</p> <hr /> <p><iframe id="pAioo" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/pAioo/2/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <h2>Slower economic growth, per-capita recession</h2> <p>The panel expects very low economic growth of just 1.7% in 2024, climbing to 2.3% in 2025. Both are well below the 2.75% the treasury believes the economy is <a href="https://treasury.gov.au/speech/the-economic-and-fiscal-context-and-the-role-of-longitudinal-data-in-policy-advice">capable of</a>.</p> <p>All but one of the forecasts are for economic growth below the present population growth rate of 2.4%, suggesting that the panel expects population growth to exceed economic growth for the second year running, extending Australia’s so-called <a href="https://theconversation.com/were-in-a-per-capita-recession-as-chalmers-says-gdp-steady-in-the-face-of-pressure-212642">per capita recession</a>.</p> <hr /> <p><iframe id="TO8bP" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/TO8bP/4/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>The lacklustre forecasts raise the possibility of what is commonly defined as a “technical recession”, which is two consecutive quarters of negative economic somewhere within a year of mediocre growth.</p> <p>Taken together, the forecasters assign a 20% probability to such a recession in the next two years, which is lower than in <a href="https://theconversation.com/two-more-rba-rate-hikes-tumbling-inflation-and-a-high-chance-of-recession-how-our-forecasting-panel-sees-2023-24-208477">previous surveys</a>.</p> <p>But some of the individual estimates are high. Percy Allen and Stephen Anthony assign a 75% and 70% chance to such a recession, and Warren Hogan a 50% chance.</p> <p>Hogan said when the economic growth figures for the present quarter get released, they are likely to show Australia is in such a recession at the moment.</p> <p>The economy barely grew at all in the September quarter, expanding just <a href="https://www.abs.gov.au/statistics/economy/national-accounts/australian-national-accounts-national-income-expenditure-and-product/latest-release">0.2%</a> and was likely to have shrunk in the December quarter and to shrink further in this quarter.</p> <p>The panel expects the US economy to grow by 2.1% in the year ahead in line with the <a href="https://www.imf.org/en/Publications/WEO/Issues/2024/01/30/world-economic-outlook-update-january-2024">International Monetary Fund</a> forecast, and China’s economy to grow 5.4%, which is lower than the International Monetary Fund’s forecast.</p> <h2>Weaker spending, weak investment</h2> <p>The panel expects weak real household spending growth of just 1.2% in 2014, supported by an ultra-low household saving ratio of close to zero, down from a recent peak of 19% in September 2021.</p> <p>Mala Raghavan of The University of Tasmania said previous gains in income, rising asset prices and accumulated savings were being overwhelmed by high inflation and rising interest rates.</p> <p>Luci Ellis expected the squeeze to continue until tax and interest rate cuts in the second half of the year, accompanied by declining inflation.</p> <p>The panel expects non-mining investment to grow by only 5.1% in the year ahead, down from 15%, and mining investment to grow by 10.2%, down from 22%.</p> <p>Johnathan McMenamin from Barrenjoey said private and public investment had been responsible for the lion’s share of economic growth over the past year and was set to plateau and fade as a driver of growth.</p> <h2>Home prices to climb, but more slowly</h2> <p>The panel expects home price growth of 4.6% in Sydney during 2024 (down from 11.4% in 2024) and 3.1% in Melbourne, down from 3.9% in 2024.</p> <p>ANZ economist Adam Boyton said decade-low building approvals and very strong population growth should keep demand for housing high, outweighing a drag on prices from high interest rates. While high interest rates have been restraining demand, they are likely to ease later in the year.</p> <hr /> <p><iframe id="syk8x" class="tc-infographic-datawrapper" style="border: none;" src="https://datawrapper.dwcdn.net/syk8x/6/" width="100%" height="400px" frameborder="0"></iframe></p> <hr /> <p>In other forecasts, the panel expects the Australian dollar to stay below US$0.70, closing the year at US$0.69, it expects the ASX 200 share market index to climb just 3% in 2024 after climbing 7.8% in 2023, and it expects a small budget surplus of A$3.8 billion in 2023-24, followed by a deficit of A$13 billion in 2024-25.</p> <p>The budget surplus should be supported by a forecast iron ore price of US$114 per tonne in December 2024, down from the present US$130, but well up on the <a href="https://budget.gov.au/content/myefo/index.htm">US$105</a> assumed in the government’s December budget update.</p> <p><a href="https://theconversation.com/profiles/peter-martin-682709"><em>Peter Martin</em></a><em>, Visiting Fellow, <a href="https://theconversation.com/institutions/crawford-school-of-public-policy-australian-national-university-3292">Crawford School of Public Policy, Australian National University</a></em></p> <p><em>Image credits: Getty Images </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/mortgage-and-inflation-pain-to-ease-but-only-slowly-how-31-top-economists-see-2024-218927">original article</a>.</em></p>

Money & Banking

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Top tips for happy and healthy eyes this Autumn

<p dir="ltr">As the season changes, so do our healthcare needs as many people struggle with irritating allergies. </p> <p dir="ltr">With cooler temperatures, dry air and an increase in pollen often being synonymous with autumn and spring, for many people, leaving the house means having irritated eyes. </p> <p dir="ltr">Luckily, leading Ophthalmologist, Dr. Jacqueline Beltz has shared her essential tips for eye care during autumn with OverSixty, giving you the opportunity to enjoy the change of seasons without jeopardising your vision. </p> <p dir="ltr"><strong>1. Keep your sunglasses handy</strong></p> <p dir="ltr">While the sun is usually not as intense in autumn as it is during summer, Dr Beltz says that using sunglasses can benefit your eyes in many ways. </p> <p dir="ltr">“ Not only do they shield your eyes from harmful UV rays, but they also guard against wind and debris,” she said. </p> <p dir="ltr"><strong>2. Increase your lubricant eye drops</strong></p> <p dir="ltr">Dr Beltz said, “The drop in temperature and the dryer air can contribute to discomfort and dryness in your eyes, so consider increasing the use of lubricant eye drops to keep your eyes moist and comfortable.”</p> <p dir="ltr">By keeping up your eye drops in autumn, you can prevent further damage to your eyes in the long run. </p> <p dir="ltr"><strong>3. Clean your eyelashes daily</strong></p> <p dir="ltr">According to Dr Beltz, keeping up with good health and hygiene along the eyelid margins is essential, especially during the autumn months. </p> <p dir="ltr">“Cleanse your lashes daily and use a warm compress to optimise the quality of your tear film. This helps in preventing irritation and supports overall eye health.”</p> <p dir="ltr"><strong>4. Consider a humidifier</strong></p> <p dir="ltr">To ensure a more comfortable environment for your eyes, Dr Beltz recommends adding moisture to the air can help alleviate dry eyes.</p> <p dir="ltr">She said, “Combat the dry indoor air by using a humidifier in your room, especially while you sleep.”</p> <p dir="ltr"><strong>5. Be proactive with allergies</strong></p> <p dir="ltr">If you are prone to allergies, Dr Beltz said it's best to always be prepared ahead of time. </p> <p dir="ltr">“Autumn allergies are a reality, with triggers like pollen, mould, and dust prevalent during this season,” she said. </p> <p dir="ltr">“If you experience red, itchy, or swollen eyes, consider antihistamine eye drops. Keep your hands clean and avoid rubbing your eyes.”</p> <p dir="ltr"><strong>6. Revitalise your eye makeup</strong></p> <p dir="ltr">While replacing your eye makeup is important all year around, the addition of allergens makes it even more important to Change mascara and non-cleanable products like liquid eyeliner at least every three months. </p> <p dir="ltr">“Especially if you have sensitive eyes, makeup products can harbour bacteria, leading to increased eye irritation.”</p> <p dir="ltr">“Refreshing your eye makeup products to options that are designed to be better suited for dry eyes or eye sensitivity.”</p> <p dir="ltr">If you are <a href="https://oversixty.com.au/lifestyle/beauty-style/embracing-the-art-of-beauty-without-compromise">prone to sensitive eyes</a>, consider trying the OKKIYO <a href="https://www.okkiyo.com/products/protect-and-preserve-mascara#xd_co_f=NzdiNzdlNTctNTA1MS00NTBkLWE1MGEtNjRkMGE2OTI1N2Vj~">Prioriteyes Mascara</a>, which was developed by Dr Beltz to prioritise both style and eye health.</p> <p dir="ltr">While these tips for eye health can seem simple and seemingly unimportant, Dr Beltz assures that by following these tips, you will make a world of difference for your eye health overall. </p> <p dir="ltr">She said, “Implementing these simple tips can make a significant difference in keeping your eyes comfortable and vibrant throughout the season.”</p> <p dir="ltr"><em>Image credits: Getty Images </em></p>

Body

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Top 80s songs to get you moving

<p class="Default">While the fashion from the 1980s might only come out of the closet for dress up parties these days, the music is still considered some of the best of our time. Especially for music to get you moving.</p> <p class="Default">From dance and pop hits to a little rap and rock, it’s got to be one of the most diverse, eclectic and extravagant decades in recent cultural history.</p> <p class="Default">Here, we have been busy rifling through the tracks to whittle down a decade of music into 40 of the best tracks to move to. From dancing to exercise, if you want to get up off that couch, these are the songs to hit play on.</p> <p>1. “Girls Just Want to Have Fun” by Cindy Lauper (1983)<br />2. “Hit Me with Your Best Shot” by Pat Benatar (1980)<br />3. “Eye of the Tiger” by Survivor (1982)<br />4. “Love Shack” by The B-52's (1989)<br />5. “Beat It” by Michael Jackson (1982)<br />6. “Manic Monday” by The Bangles (1986)<br />7. “Let's Dance” by David Bowie (1983)<br />8. “Livin' on a Prayer” by Bon Jovi (1986)<br />9. “I Love Rock N' Roll” by Joan Jett &amp; The Blackhearts (1982)<br />10. “Thriller” by Michael Jackson (1982)<br />11. “Faith” by George Michael (1987)<br />12. “Jump” by Van Halen (1984)<br />13. “Don't Stop Believin’" by Journey (1982)<br />14. “Walking on Sunshine” by Katrina &amp; The Waves (1983)<br />15. “Kiss” by Prince (1986)<br />16. “Holiday” by Madonna (1983)<br />17. “Celebration” by Kool and the Gang (1980)<br />18. “Billie Jean” by Michael Jackson (1982)<br />19. “Love is a Battlefield” by Pat Benatar (1983)<br />20. “Sweet Dreams (Are Made of This)” by Eurythmics (1983)<br />21. “White Wedding” by Billy Idol (1982)<br />22. “Take on Me” by a-ha (1985)<br />23. “Video Killed the Radio Star” by The Buggles (1981)<br />24. “Karma Chameleon” by Culture Club (1983)<br />25. “The Tide is High” by Blondie (1980)<br />26. “Wake Me Up Before You Go-Go” by Wham (1984)<br />27. “Let's Hear It for the Boy” by Deniece Williams (1984)<br />28. “A Little Respect” by Erasure (1988)<br />29. “Sweet Child O' Mine” by Guns N' Roses (1987)<br />30. “Footloose” by Kenny Loggins (1984)<br />31. “Wild Thing” by Tone-Loc (1989)<br />32. “Tainted Love” by Soft Cell (1981)<br />33. “Borderline” by Madonna (1983)<br />34. “I Wanna Dance With Somebody” by Whitney Houston (1987)<br />35. “Just Can't Get Enough” by Depeche Mode (1981)<br />36. “Never Gonna Give You Up” by Rick Astley (1987)<br />37. “Always Something There to Remind Me” by Naked Eyes (1983)<br />38. “You Got It (The Right Stuff)” by New Kids on the Block (1988)<br />39. “It Takes Two” by Rob Base (1988)<br />40. “Down Under” by Men at Work (1981)</p> <p><em>Image: Getty</em></p>

Music

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Debate sparked over list of top 100 cities on the planet

<p>The best 100 cities on the planet have been revealed, with three Aussie cities making the final list. </p> <p>The list was compiled by as part of an annual report by <a href="https://www.worldsbestcities.com" target="_blank" rel="noopener">Resonance Consultancy</a>, who rated major capital cities on three main factors: liveability, lovability and prosperity, with dozens of factors taken into account.</p> <p>These include educational attainment, GDP per capita, poverty rate, the number of quality restaurants, shops and nightclubs, walkability, the number of mapped bike routes, quality parks and museums, as well as ratings from TripAdvisor and Google. </p> <p>The top ten chart features four cities on the Asian continent, four in Europe and two in the U.S.</p> <p>Sydney, Melbourne and Brisbane were all featured in the list, coming in at numbers 31, 35 and 57 respectively.</p> <p>Taking out the number one spot this year is London, dubbed the "capital of capitals" that "reigns over all global cities" as the best metropolis in the world. </p> <p>The study proclaims it as the most liveable and the most lovable mecca, solidified by its winning culture and education attainment.</p> <p>The report concludes, "Despite crippling Covid lockdowns and economic devastation. Despite Brexit. Despite a war in Europe. The city is more indomitable and part of the global discourse than ever. From the Queen's death, to last autumn's chaotic drama at 10 Downing Street that finally calmed down with Rishi Sunak becoming prime minister, only to take heavy local election losses this spring, London is rarely quiet these days."</p> <p>Here's the full list of top 100 cities in the world.</p> <p> 1 - London, England </p> <p>2 - Paris, France</p> <p>3 - New York, USA</p> <p>4 - Tokyo, Japan</p> <p>5 - Singapore</p> <p>6 - Dubai, United Arab Emirates</p> <p>7 - San Francisco, USA</p> <p>8 - Barcelona, Spain</p> <p>9 - Amsterdam, Netherlands</p> <p>10 - Seoul, South Korea</p> <p>11 - Rome, Italy </p> <p>12 - Prague, Czechia </p> <p>13 - Madrid, Spain </p> <p>14 - Berlin, Germany</p> <p>15 - Los Angeles, USA</p> <p>16 - Chicago, USA</p> <p>17 - Washington, D.C., USA</p> <p>18 - Beijing, China </p> <p>19 - Istanbul, Turkey </p> <p>20 - Dublin, Ireland</p> <p>21 - Vienna, Austria </p> <p>22 - Milan, Italy </p> <p>23 - Toronto, Canada</p> <p>24 - Boston, USA</p> <p>25 - Abu Dhabi, United Arab Emirates </p> <p>26 - Budapest, Hungary </p> <p>27 - São Paulo, Brazil</p> <p>28 - Riyadh, Saudi Arabia</p> <p>29 - Stockholm, Sweden </p> <p>30 - Munich, Germany</p> <p>31 - Melbourne, Australia </p> <p>32 - Lisbon, Portugal </p> <p>33 - Zürich, Switzerland</p> <p>34 - Seattle, USA</p> <p>35 - Sydney, Australia </p> <p>36 - Doha, Qatar</p> <p>37 - Brussels, Belgium </p> <p>38 - San Jose, USA</p> <p>39 - Bangkok, Thailand</p> <p>40 - Warsaw, Poland </p> <p>41 - Copenhagen, Denmark </p> <p>42 - Taipei, Taiwan </p> <p>43 - Austin, USA</p> <p>44 - Oslo, Norway </p> <p>45 - Osaka, Japan </p> <p>46 - Hong Kong, China </p> <p>47 - Tel Aviv, Israel </p> <p>48 - Athens, Greece</p> <p>49 - Frankfurt, Germany</p> <p>50 - Vancouver, Canada </p> <p>51 - San Diego, USA</p> <p>52 - Orlando, USA</p> <p>53 - Helsinki, Finland </p> <p>54 - Miami, USA</p> <p>55 - Buenos Aires, Argentina </p> <p>56 - Hamburg, Germany </p> <p>57 - Brisbane, Australia </p> <p>58 - Kuwait, Kuwait</p> <p>59 - Las Vegas, USA</p> <p>60 - Montreal, Canada </p> <p>61 - Glasgow, Scotland</p> <p>62 - Shanghai, China </p> <p>63 - Rio de Janeiro, USA</p> <p>64 - Auckland, New Zealand </p> <p>65 - Atlanta, USA</p> <p>66 - Houston, USA</p> <p>67 - Busan, South Korea</p> <p>68 - Philadelphia, USA</p> <p>69 - Naples, Italy </p> <p>70 - Denver, USA</p> <p>71 - Nashville, USA</p> <p>72 - Manchester, England </p> <p>73 - Dallas, USA</p> <p>74 - Liverpool, England</p> <p>75 - Minneapolis, USA</p> <p>76 - Mexico City, Mexico</p> <p>77 - Minsk, Belarus </p> <p>78 - Lyon, France </p> <p>79 - Portland, USA</p> <p>80 - Rotterdam, Netherlands </p> <p>81 - Bogotá, Colombia</p> <p>82 - Kraków, Poland</p> <p>83 - Valencia, Spain</p> <p>84 - Santiago, Chile </p> <p>85 - Birmingham, England</p> <p>86 - New Orleans, USA</p> <p>87 - Bucharest, Romania</p> <p>88 - Leeds, England</p> <p>89 - Muscat, Oman </p> <p>90 - Ottawa, Canada </p> <p>91 - Cologne, Germany </p> <p>92 - Charlotte, USA</p> <p>93 - Calgary, Canada </p> <p>94 - Nagoya, Japan  </p> <p>95 - Düsseldorf, Germany </p> <p>96 - Hanoi, Vietnam</p> <p>97 - Gothenburg, Sweden </p> <p>98 - Sapporo, Japan</p> <p>99 - Bilbao, Spain </p> <p>100 - Baltimore, USA</p> <p><em>Image credits: Getty Images </em></p>

International Travel

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Downsizing cost trap awaits retirees – five reasons to be wary

<p><em><a href="https://theconversation.com/profiles/erika-altmann-361218">Erika Altmann</a>, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p>It’s time to debunk the myth of zero housing costs in retirement if we want to understand why retirees resist downsizing. Retirees have at least five reasons to be wary of the costs of downsizing.</p> <p>Retirees living in middle-ring suburbs face frequent calls to downsize into apartments to free up larger allotments in these suburbs for redevelopment. Retirees who fail to downsize into smaller units and apartments are viewed as being a greedy, baby-boomer elite, stealing financial security from younger generations.</p> <p>It also makes sense to policymakers for retirees to move into less spacious accommodation and make way for high-density housing. Housing think-tank AHURI <a href="http://www.ahuri.edu.au/__data/assets/pdf_file/0021/14079/AHURI_Final_Report_No_286_Australian-demographic-trends-and-implications-for-housing-assistance-programs.pdf">fosters this view</a>. Yet seniors remain resistant to moving, in part because of the ongoing costs they would face.</p> <p>The concept of zero housing costs in retirement is based on a 1940s view of a well-maintained, single dwelling on a single allotment of land where the mortgage has been paid off. This concept is incompatible with medium- and high-density housing and refusing to acknowledge ongoing housing costs may cause significant poverty for retirees.</p> <h2>Reason 1 – upfront moving costs are high</h2> <p>When a house is sold the owner receives the sale funds minus the real estate and legal fees. When the same person then buys a different property to live in, they pay legal fees plus stamp duty.</p> <p>For cities such as Melbourne and Sydney, these costs are likely to exceed A$70,000.</p> <p>These high transfer costs may mean it is not cost-effective <a href="https://theconversation.com/why-older-australians-dont-downsize-and-the-limits-to-what-the-government-can-do-about-it-76931">for the person to move</a>.</p> <h2>Reason 2 – levies are high</h2> <p>Because apartment owners pay body corporate levies, people often assume this is just the same as periodic payment of rates, water, insurance and other costs. It is not.</p> <p>Fees remissions for low-income retirees for rates, power, insurance and water are difficult to apply within a body corporate environment. As a consequence, these are usually not applied to owners of apartments.</p> <p>The costs of maintaining essential services, such as mandatory fire-alarm testing, yearly engineering certification, lift and air-conditioning inspections, significantly increase ownership costs.</p> <p>When additional services are supplied, such as swimming pools, gyms and rooftop gardens, these also require periodic inspections. Garbage collection, cleaning, gardening, concierge and strata management services also <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23322">must be paid</a>.</p> <p>Owners of standard suburban homes choose whether they want these services, with those on fixed incomes going without them.</p> <p>Annual levies for apartment buildings vary, but expect to pay between $10,000 and $15,000. They <a href="https://www.strata.community/understandingstrata/faqs">may be more than this</a>.</p> <h2>Reason 3 – costs of maintenance</h2> <figure class="align-right "><figcaption></figcaption></figure> <p>Apartments are often sold as a maintenance-free solution for older people. The maintenance is not free. It needs to be paid for.</p> <p>Maintenance costs are higher in an apartment than a standard suburban home because there are more items and services to be maintained and fixed. Lifts and air conditioning need periodic servicing and fixing. This is in addition to the mandatory inspections listed above.</p> <h2>Reason 4 – loss of financial security</h2> <p>It is a mistaken belief that the maintenance costs that form part of the body corporate fee include periodic property upgrades. This relates to items that are owned collectively with other apartment owners.</p> <p>Major servicing at the ten-year mark and usually each five-to-seven years after that include painting, floor-covering replacement, and lift and air-conditioning repair or replacement.</p> <p>Major upgrades may also include garden redesign or other external building enhancement including <a href="https://eprints.utas.edu.au/cgi/users/home?screen=EPrint%3A%3AView&amp;eprintid=23315">environmental upgrades</a>. All owners share these upgrade costs.</p> <p>Costs of upgrading the inside of an apartment (a bathroom disability upgrade, for example) are additional again.</p> <p>Once the body corporate committee members pledge funds towards an upgrade, all owners are required to raise their share of the funds, whether they can afford it or not. Communal choice outweighs an individual owner’s need to delay upgrade costs.</p> <p>Owners who buy apartments that are part of a body corporate effectively lose control of their future financial decisions.</p> <h2>Reason 5 – loss of security of tenure</h2> <p>Loss of security of tenure is usually associated with renters. However, the recent introduction of <a href="http://www.lpi.nsw.gov.au/__data/assets/pdf_file/0009/25965/Termination_of_a_strata_scheme_by_RG.pdf">termination legislation</a> in New South Wales gives other owners the right to vote to terminate a strata title scheme. When this occurs, all owners, including reluctant owners of apartments within that scheme, are compelled to sell.</p> <p>There are valid reasons why termination legislation is desirable, as many older apartment complexes are reaching the end of their useful life.</p> <p>Even so, as termination legislation is rolled out across the states, owner- occupiers effectively lose control of how long they will own a property for. They no longer have security of tenure, which means retirees may face an uncertain housing future in their old age.</p> <h2>Downsizing raises poverty risks</h2> <p>Because current data sets do not adequately take account of ongoing costs associated with apartment living, the effect of downsizing on individual households is masked.</p> <p>Downsizing retirees into the apartment sector creates ongoing financial stress for older people. Creating <a href="https://theconversation.com/it-will-take-more-than-piecemeal-reforms-to-convince-older-australians-to-downsize-51043">tax incentives to move</a> does not tackle these ongoing costs.</p> <p>Centrelink payments for of <a href="https://www.humanservices.gov.au/customer/services/centrelink/age-pension">$404 per week</a> are well below <a href="http://acoss.wpengine.com/poverty-2/">the poverty line</a>. Yet we expect retirees to willingly downsize and to be able to cede most of their Centrelink payments to cover high body corporate costs.</p> <p>Requiring retirees to downsize for the greater urban good will shift poverty onto retirees who could barely manage in their previously owned standard suburban home.</p> <p>Failing to understand the effect of high ongoing costs associated with apartment living and reinforcing the myth of zero housing costs in retirement will continue to lead to poor policy outcomes.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/80895/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/erika-altmann-361218"><em>Erika Altmann</em></a><em>, Property and Housing Management Researcher, <a href="https://theconversation.com/institutions/university-of-tasmania-888">University of Tasmania</a></em></p> <p><em>Image credits: Getty Images</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/downsizing-cost-trap-awaits-retirees-five-reasons-to-be-wary-80895">original article</a>.</em></p>

Retirement Income

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“There were bodies everywhere”: Five people dead in horror pub crash

<p dir="ltr">Disturbing details have emerged from a horror crash where five people have died after a BMW crashed into a beer garden at a pub in regional Victoria. </p> <p dir="ltr">On Sunday evening in Daylesford, north of Melbourne, families were enjoying the last of the weekend at the Royal Hotel when a BMW X5 crashed into the busy venue. </p> <p dir="ltr">The pub was filled with hundreds of patrons in the hours before the crash due to the unofficial long weekend before Tuesday’s Melbourne Cup public holiday in Victoria. </p> <p dir="ltr">Superintendent John Fitzpatrick confirmed on Sunday night about 11pm four people had died at the scene: two men and a woman and a six-year-old boy, while a fifth person, a teenage girl, later died in hospital. </p> <p dir="ltr">Four others were injured, while a boy is fighting for his life in hospital. </p> <p dir="ltr">“I haven’t seen anything this drastic for a long time,” he said.</p> <p dir="ltr">“Any time you have five people die at a particular scene, it’s horrible.”</p> <p dir="ltr">“There are families that have got loved ones that are no longer going to be around.”</p> <p dir="ltr">“We don’t like to see anyone lose their life but to see a child – you don’t ever want to see anything like that.”</p> <p dir="ltr">The driver of the BMW, a 66-year-old man, was taken to hospital with non-life-threatening injuries.</p> <p dir="ltr">"The exact circumstances surrounding the collision are yet to be determined and investigations remain ongoing," Superintendent Fitzpatrick said.</p> <p dir="ltr">“We are waiting to speak to him… It’s a very complex scene.”</p> <p dir="ltr">A woman who was working at the business next door to the pub witnessed the horrific moment, recalling how she and her staff saw bodies lying on the pavement. </p> <p dir="ltr">“We’re all pretty shocked,” she said.</p> <p dir="ltr">“It’s pretty bad, I’ve never seen anything so traumatic in my life.”</p> <p dir="ltr">“There were bodies everywhere, it was horrifying,” she said.</p> <p dir="ltr">“I watched the whole crash. The car went up into the sky. I thought it was just dust. It’s only now I know it was bodies.”</p> <p dir="ltr">Infrastructure Minister Catherine King, whose electorate Ballarat includes Daylesford, said the community was “devastated” by the incident. </p> <p dir="ltr">“Five people have lost their lives, and their families’ lives have changed forever. </p> <p dir="ltr">“It will really have shocked a lot of people, and I think we’re really only just coming to terms with what happened today.”</p> <p dir="ltr">“These sort of terrible accidents, the sort of level of trauma goes on for a long period of time, and people will need a lot of support and care, and the police obviously will need to undertake a significant investigation into what’s happened.”</p> <p dir="ltr"><em>Image credits: Nine News</em></p>

News

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These are the top mistakes first-time cruise travellers should avoid, according to a cruise ship veteran

<p><strong>Cruise tips for the perfect trip</strong></p> <p>For more than a decade, I have worked on some of the best cruise lines, and for the last six years, I’ve been a cruise director. It’s a dream job: I am the face and voice of a 3,600-person-capacity ship, organising entertainment around the clock for guests, creating the master schedules, coordinating excursions, hosting special events and so much more. I’ve been on hundreds of cruises and live on a ship for most of the year, so it’s safe to say that I know a few cruise tips you’ll find useful.</p> <p>I also know a thing or two about the mistakes people make when it comes to cruises, whether they’re first-time cruisers or regulars. From creating a smart cruise packing list to finding the best deals at sea, these insider cruise tips will ensure that you have the best trip possible.</p> <p><strong>Booking too late </strong></p> <p>It is true that if you’re very flexible with your travel plans and/or you live near a popular port-of-call, you can get some great bargains on cruises by booking at the last minute. But those opportunities are harder to come by these days, thanks to sophisticated computer algorithms that do a great job of adjusting prices to fill bookings earlier.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> If you’re sure you want to book a particular cruise or your travel plans aren’t flexible, book as early as possible – as in, the date bookings open. Prices will be at their lowest then, but if for some reason they do drop, you can ask customer service to match the new lower price. Just be aware that price adjustments need to be made before the “final booking window,” when all rates are locked in, usually one to three months before departure.</p> <p><strong>Not asking for an upgrade</strong></p> <p>Post-pandemic, a lot of ships are sailing at low capacity, so there are often plenty of open rooms. People are often nervous to ask for an upgrade, but those rooms will just be left empty if they’re not filled by departure time. We love making guests happy, and as long as you’re polite and phrase it as a question, not a demand, we’ll do our best!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> When you arrive, talk to any of the employees greeting guests about rooms available for upgrades. Different cruise lines have different policies, and the employees will know how to help you. And in case you were wondering, you can ask for an upgrade regardless of how you purchased your tickets. If you’re there for a special event, like a milestone anniversary or a honeymoon, definitely mention it – even if you can’t get an upgrade, they will find other ways to make your cruise special.</p> <p>Some cruises also allow you to “bid” for an upgrade, meaning that you can offer an extra amount of money for that nicer cabin. This is still a good deal, since even with the extra fee, it’s still cheaper than if you had paid the original rate for that room.</p> <p><strong>Not packing a carry-on bag</strong></p> <p>This is one of those cruise tips you’ll really be glad you know before your next trip. Many people overpack their main luggage and don’t give enough thought to what they’re toting in their carry-ons. Remember: It takes several hours minimum to get your luggage to you. Luggage times can range from a couple of hours to half a day, depending on staffing levels and your cabin location. This is why it’s essential to have a day pack with anything you’ll need right away – and don’t forget the fun stuff!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Pack a roomy carry-on with medication, contact solution, a change of clothing, a swimsuit, sunscreen, sunglasses, sandals or other items you’ll want to have immediate access to.</p> <p><strong>Being rude or cold to the crew</strong></p> <p>We’re here to help you, but we’re not slaves. I’ve seen passengers have full meltdowns over everything from not being able to get prescription medication from the first-aid station, to the buffet not having a dish they ate on a different cruise line, to their towels being folded instead of shaped, like they saw on Instagram. Regardless of your demeanour with us, we’ll always do our best to help you, but we won’t be motivated to go above and beyond for you. Keep in mind that some events, such as dinner with the captain, are by invitation only or are not advertised, and having a crew member to help you get your name on the golden ticket could make your cruise experience something out of this world.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Be polite and kind to the crew. To be clear: You’re allowed to complain, and we definitely want to know if something isn’t right or if it could be better, but just remember that we’re people too – often operating on very little sleep.</p> <p><strong>Not taking advantage of flash deals </strong></p> <p>During booking or before boarding, many cruises offer limited amounts of “flash deals” for things like entertainment shows or drink packages. Many people wait, thinking they can just decide once they’re on board, but you won’t find those same deals on the ship. And these deals are worth it: Purchasing a flash deal ahead of time could get you half-off discounts for food and alcoholic beverages, a VIP excursion or priority seating at shows. Talk about an easy way to get perks and save some serious money!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> If they’re offering something you know you’ll use, it’s almost always cheaper to purchase it through a flash deal. Flash deals are publicised through a cruise’s site and via email, but the fastest way to be alerted is by installing the app for your cruise line and registering your trip. And be sure to purchase quickly, since many deals are available only for a short time and/or in limited quantities.</p> <p><strong>Using the internet a lot</strong></p> <p>Internet on cruise ships can be overpriced and unreliable. This is because ocean-going ships have to use satellite systems for internet, and they are slower and tend to lose service more easily. And expect to pay for the privilege of slower service – older ships still sell internet by the minute (50 to 75 cents), while state-of-the-art ships offer day passes. Day passes average about $US25 per device, per day. This can add up faster than you realise. So while it’s technologically possible to stream a Netflix movie to your cabin, it may not be the best use of your time or money.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> See it as a gift! My advice would be to switch off completely while at sea and save your money. Cruise ships are equipped for maximum entertainment, and you should take advantage of all the fun we have on board. (Plus, in a cruise tip that doubles as a life tip, it’s good for you to do a mini digital detox and take a break from social media every once in a while.) If you do need to use the internet – say, to check your work emails or contact family – it will be cheapest and fastest to wait until you’re at port and find a Wi-Fi hot spot. Otherwise, just plan to use the ship’s internet strategically; have a plan before logging on rather than just surfing.</p> <p><strong>Not signing up for the free loyalty program </strong></p> <p>All major cruise lines have loyalty programs that offer real perks, including discounts on tickets, free meals, free internet, priority embarkation and disembarkation, and even free cruises. If you don’t sign up, you’re missing out. While the perks will depend on what “tier” of the loyalty program you sign up for, top-tier loyalty programs are the best deal for serious cruisers. That’s where you’ll be treated like royalty, with upgrades, special events, free or heavily discounted tickets, priority booking and lots of other extras.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> The base programs are free to sign up, and you’ll want to register for them as soon as possible because you can start earning points immediately. Higher-tier programs are fee-based, but they can be a great deal depending on what amenities you want and how often you plan to cruise. You will be offered the chance to sign up or upgrade during the booking process, but if you miss it, you can sign up at check-in or at any point during the cruise – even when disembarking.</p> <p>Depending on the package and loyalty tier, some of your points will be available immediately for use on your current cruise. Some major cruise lines, like Royal Caribbean, have partnerships with major credit cards that allow you to use your card to rack up loyalty points throughout the year.</p> <p><strong>Sticking to the buffets </strong></p> <p>Yes, buffets are fantastic because they offer a wide variety of popular foods, and it’s all-you-can-eat around the clock. But if you’re only eating at the buffets, you’re missing some of the best food on the cruise! The restaurants are designed to give you a full dining experience and offer regional or specialty cuisines that can’t be found on the buffet. Plus, you can order according to your taste and special-order dishes if you have particular dietary concerns. Many restaurants offer extras like dining with the chef, watching the food be prepared or special entertainment events.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Ask your host about special dining events, like the chef’s table, or to help you get reservations for a specialty meal – for instance, a Brazilian steakhouse meal or a five-course tasting with wine pairings. These dining experiences usually cost extra, but they’re totally worth it. Try to book two or three if you can.</p> <p><strong>Not using room service enough </strong></p> <p>When you’re staying at a hotel, you might forgo room service because it can get pricey – or because you can’t order whatever you want, whenever you want it. That’s not necessarily the case on a cruise. Post-pandemic, you can order anything off the menu through room service, 24/7… But not all the food is free. You may have to pay extra for that cheeseburger at 3am.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> While what’s included in room service varies from cruise line to cruise line, as well as what package you’ve booked, breakfast will likely be free – no matter what. Make the most of this cruise ship secret, and you never have to leave your room for breakfast again if you don’t want to! One etiquette-based cruise tip, though: While tipping isn’t necessary, if you do order room service in the middle of the night, consider tipping the staff a few dollars when they bring it.</p> <p><strong>Not reading the ship's insurance policy </strong></p> <p>If you enjoy doing adventurous activities like ziplining and surfing, make sure you know the risks and what you are covered for in case of an emergency. The ship’s insurance policy covers only the very basic things – those that are directly the cruise line’s responsibility, like cancelled cruises or lost luggage. But anything related to your health or other travel issues won’t be covered, so you’ll need to rely on personal policies.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Make sure to read through the insurance policy and ask your cruise host or travel agent if you have questions. Check with your personal insurance provider to see exactly what they cover for cruises and/or out-of-country trips. And it’s never a bad idea to purchase separate travel insurance.</p> <p><strong>Going to Medical for seasickness</strong></p> <p>Cruises are required to have a certified doctor on the ship, but it costs money to get medical care onboard. Doctors bill an hourly rate – often around $US100 per hour – plus fees for any services or extra supplies. Cruise-ship medical bills can range from $US50 to thousands of dollars if you end up needing to be helicoptered out. However, many medical items are available for free through the customer concierge, so save those medical trips for illnesses or injuries that really require a doctor’s attention.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Seasickness pills and other over-the-counter meds, such as ibuprofen and Tylenol, are free through guest services, as well as things like adhesive bandages, heating pads and wraps. Stop by the host station, ask any staff member or call directly from your cabin. Pro tip: If you’re prone to seasickness, ask for a cabin on a low deck and mid-ship, since they pitch the least in relation to the rest of the ship.</p> <p><strong>Taking sketchy DIY excursions </strong></p> <p>This really depends on the location, but in lesser-known areas, it is generally wise to stick to the ship-sponsored excursions as opposed to relying on sales pitches from locals, taking internet advice or just winging it. After all, you want to make sure you don’t get taken advantage of, you’re safe and the ship doesn’t leave without you if the excursion runs late!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Stick to reputable excursions. Your cruise director will have a list of ship-sponsored excursions and will also be able to advise you on local companies that the cruise line has worked with. It also never hurts to do research before setting sail, looking up your particular ports-of-call and seeing what excursions you might want to ask about.</p> <p><strong>Going too far from the ship</strong></p> <p>It’s fine to go ashore independently and find your own adventures, but I’ve seen too many guests end up losing track of time or distance, and then end up waving the ship goodbye from shore. If this happens, you’ll have to find your own travel to the cruise ship’s next port of call.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Instead of driving yourself, find a local taxi driver who knows the area well. Just be sure to negotiate the price and time before hopping in. If you do decide to go it alone, stay fairly close to port, watch the clock and build in extra time for things like traffic jams. Make sure to get back to the boat at least 30 minutes before boarding time.</p> <p><strong>Underestimating how windy it gets at sea</strong></p> <p>Anytime you’re outside on the ship, make sure to secure all your belongings. Hold on tightly if you’re walking around, and if you’re putting your items down, place them in a zippered bag attached to a chair or table, or tether larger items (like blankets) to furniture. It doesn’t take much wind to launch your mobile phone, hat or glasses into the ocean. This happens far more often than you might think!</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> I recommend that guests always bring towel clips for securing towels, clothing, thongs and other flighty items. Your ship may come equipped with some anti-wind protections like special shelters by the pool, lockers or wind breaks.</p> <p><strong>Not honouring cruise traditions </strong></p> <p>Ships, cruise lines and even cruising culture in general have their own traditions. The most popular one on all cruise lines is the “Cruising Duck.” Never heard of it? Guests bring a rubber duck and hide it around the ship to be discovered by others. But there are many more traditions based on individual cruise lines, travel routes or themes (say, a Disney cruise), and part of the fun is getting to discover them. You can read up about them on online forums or just wait to be surprised.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Participating in these little traditions will make it more fun for you on your trip, and it’s a great way to integrate yourself into the cruising community. It’s especially fun if you’re doing a themed cruise.</p> <p><strong>Not following current health protocols</strong></p> <p>Health protocols change often, especially post-pandemic. For instance, most cruise ships now require proof of COVID-19 vaccination. Some are still doing rapid tests before boarding. Most prefer (but don’t require) you to wear a mask if you develop any symptoms of illness while aboard. If you test positive for an infectious illness, you’ll be quarantined. And remember, it’s not just COVID they’re concerned about: Outbreaks of norovirus and influenza are common in the close quarters of cruise ships.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Stay up to date on the current rules, and do your best to follow them. This information should be given to you the week before your cruise, via email or your online portal. You can also check the website, call customer service or talk to a host during the boarding process. But please don’t argue with us – we don’t make the rules. If you need clarification or an exception, speak to the ship’s doctor.</p> <p><strong>Not booking your next cruise while you're still on the ship</strong></p> <p>This may sound crazy, but it’s one of the smartest cruise tips. Booking your next cruise while on your current cruise is a terrific way to make the most of free onboard credit and loyalty points. Once you leave the ship, the deals they’re offering will be gone.</p> <p><span style="text-decoration: underline;"><em>What to do instead:</em></span> Ask your host about what deals they are offering before you disembark. This is the best time to get a great deal on your favourite cruises – and ones that won’t be available at a later date. Cruise lines really want you to book your next cruise while you’re still there and excited, so they may offer you a cheaper upgrade to a higher tier of the loyalty program and/or nicer perks on your next cruise. If you can book at this time, you definitely should.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://www.readersdigest.com.au/travel/cruising/ive-worked-on-cruise-ships-for-10-years-these-are-the-mistakes-every-traveller-should-avoid?pages=1" target="_blank" rel="noopener">Reader's Digest</a>.</em></p>

Cruising

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Five ways to take advantage of rising interest rates to boost your savings

<p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p>With the Bank of England base rate <a href="https://theconversation.com/how-the-bank-of-englands-interest-rate-hikes-are-filtering-through-to-your-finances-210344">currently the highest</a> it has been since early 2008, you may have a valuable opportunity to increase your earnings on pensions, investments and savings accounts. After all, when the central bank raises its main rate – the base rate, which is typically used as a benchmark for loans as well as savings accounts – it is trying to encourage people to spend less and save more.</p> <p>But UK banks and building societies have <a href="https://www.independent.co.uk/money/martin-lewis-savings-rates-mortgage-crisis-b2362955.html">recently been accused</a> of letting their savings rates lag the recent rapid rise in the base rate. UK regulator the Financial Conduct Authority has urged these financial firms to offer “<a href="https://www.fca.org.uk/news/press-releases/action-plan-cash-savings">fair and competitive</a>” savings rates in response to the increasing interest rates.</p> <p>Many financial institutions do offer accounts with <a href="https://www.theguardian.com/money/2023/jul/15/uk-savings-accounts-interest-nsi-building-societies-banks-deals">rates of 6% or more</a>. This is good news for avid savers – but only if you keep an eye on the market so you can switch from less competitive products. This is why it’s important to establish a regular savings habit, but many people are unsure about what that should involve.</p> <p>My colleagues and I have studied the <a href="https://dspace.stir.ac.uk/handle/1893/32240">correlation between people’s savings goals</a> (if they have any) and how they invest their money. We also looked at how seeking financial information advice, and being “good with numbers”, both influence this correlation.</p> <p>We analysed data from more than 40,000 individuals in 21,000 UK households from five waves of the Office for National Statistics Wealth and Assets Survey (WAS), conducted between 2006 and 2016. This data captures comprehensive economic wellbeing information and attitudes to financial planning.</p> <p>Our research shows the importance to your finances of setting multiple savings goals, keeping up with financial news, and seeking professional advice. Based on this, here are five research-based ways to make the most of your money.</p> <h2>1. Set specific savings goals</h2> <p>Establishing personal savings goals is one of the first steps most financial institutions and advisers will recommend to their customers, because it’s a good idea to <a href="https://www.investopedia.com/terms/c/compoundinterest.asp">save regularly</a>. Plus, our study shows that total financial assets increase in line with the number of savings goals you have, and that setting specific, rather than vague, goals leads to higher performance.</p> <p>Specific savings goals should have an end date, target figure, and even a meaningful name – for example, “£1,000 for 2024 trip to Asia” or “£250 for 2023 Christmas present fund”. This will create tangible reference points that encourage self-control and increase the pain you feel if you fail to meet your goal.</p> <h2>2. Seek professional financial advice</h2> <p>Rather than relying on friends, family and social media for financial advice, speak to an expert.</p> <p>Our research shows households that access professional financial advice were more likely to allocate a higher share of their wealth to stock portfolios than those that rely on friends, family and social media for financial advice. This result was consistent even across different wealth and income levels, with lower earners possibly using products like ISAs to make investments in stocks and shares. Other <a href="https://academic.oup.com/qje/article/134/3/1225/5435538">research shows</a> stock portfolios outperform most other types of investment in the long term.</p> <p>We also found that access to professional financial advice can substitute for setting goals, because your adviser should help you to determine the kinds of products to invest in (which is called asset allocation) for specific timelines and aims.</p> <h2>3. Brush up on your maths</h2> <p><a href="https://doi.org/10.1111/j.1475-5890.2007.00052.x">Several studies</a> show numerical skills affect how households gather and process information, <a href="https://psycnet.apa.org/doi/10.1037/a0013114">set goals</a>, perceive risks, and <a href="https://heinonline.org/HOL/P?h=hein.journals/fedred89&amp;i=791">decide to invest</a> in various financial assets. So, by brushing up on your basic numeracy and financial literacy skills – even with free online videos – you could boost your savings for the long term.</p> <p>Our study shows that individuals with high confidence in their numerical skills tend to have better financial planning habits – such as investing more in stocks and bonds than cash, which carries more risk but also the potential for greater returns. This trend is particularly evident among households with no savings goals, suggesting that numerical ability could compensate for failing to set such goals.</p> <h2>4. Adopt appropriate savings strategies</h2> <p>Diversified stock market portfolios generally outperform bonds and cash savings <a href="https://doi.org/10.1093/qje/qjz012">over longer periods</a>. However, stock markets can be volatile, so putting savings into less risky assets like bonds and cash is wise for savings goals of less than five years.</p> <p>In the longer term, investing across different global stock markets for more than five years can help counteract inflation. And you can access low-cost, diversified investment portfolios via financial products based on indices of stocks or other assets, such as exchange traded funds.</p> <h2>5. Set, monitor and adjust your plan</h2> <p>Free financial planning and budgeting apps can help you save money by tracking your spending and savings goals, and encouraging you to adhere to a budget.</p> <p>Most importantly, once you set savings goals and create a budget, don’t forget about them. Check regularly to see how your savings are building up and to monitor for any spending changes. A growing array of fintech tools can prompt and encourage this kind of long-term planning.</p> <p>Keeping an eye on savings rates is also important. As banks change rates or create new accounts, consider switching to get a better deal if you can do so without falling foul of account closure fees.</p> <p>It’s important to make sure your savings are working for you at any time, but its crucial in the current economy, when finances are tight but interest rates are rising.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/208853/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/fredrick-kibon-changwony-234363">Fredrick Kibon Changwony</a>, Lecturer in Accounting &amp; Finance, <a href="https://theconversation.com/institutions/university-of-stirling-1697">University of Stirling</a></em></p> <p><em>Image credits: Shutterstock</em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/five-ways-to-take-advantage-of-rising-interest-rates-to-boost-your-savings-208853">original article</a>.</em></p>

Money & Banking

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"She had the biggest heart": Mum's tribute to five-year-old killed in a car crash

<p>A heartbroken mother has paid tribute to her five-year-old daughter, who was killed in a horrific three car collision in Victoria's north.</p> <p>Savannah Kemp's mother Bryana remembered her daughter as a “precious” and “sassy” little girl who “had the biggest heart”.</p> <p>Savannah leaves behind three brothers - Layton, Cayden and Ryley, as well as her devastated mother.</p> <p>Bryana said in a statement that Savannah was due to start kindergarten at Guthrie Street Primary School with her three older brothers in 2024.</p> <p>"She has been wearing her school uniform around the house for weeks because she was so excited to go to school," she said. "She went to her first orientation a week or so back and even had to wear it."</p> <p>“Savannah was the most precious, sassy little girl. She had the biggest heart which was always full of laughter. She never walked anywhere, she danced or skipped. She was so brave and fearless, learnt it from her brothers. Nothing bothered her."</p> <p>Bryana went on to say that her daughter was destined to be a “fearless ballerina or soccer player” and that her three brothers were training her in their backyard so that she could become just that.</p> <p>“I would always make jokes that she would dance the ball into the goals and that’s exactly what she did with them,” she said.</p> <p>“For a term she has been doing acrobatics at Ucandance and she was learning cartwheels and the splits. She got very good at it in a few short weeks.”</p> <p>Savannah was “destined for great things”, Bryana said.</p> <p>“My sweet little baby, if (you) had the chance (you) would have ruled this world.”</p> <p>A <a href="https://www.gofundme.com/f/in-the-name-of-savannah" target="_blank" rel="noopener">GoFundMe</a> page has been set up for the family to cover Savannah's funeral costs and any other financial difficulties the family may face, and has already raised over $36,000.</p> <p>Several other people were seriously injured in the crash, including a 32-year-old pregnant woman, whose unborn baby later died.</p> <p>The driver of the car Savannah was a passenger in, a 26-year-old Shepparton woman, was also taken to hospital with serious injuries.</p> <p>Another driver, a 33-year-old Shepparton man, and his passenger, a 22-year-old Katandra West man, were taken to hospital for minor injuries.</p> <p>A Victoria Police spokesperson said that officers are still working to establish the exact circumstances surrounding the collision.</p> <p><em>Image credits: GoFundMe</em></p>

Caring

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Top tips to protect your outdoor furniture

<p>If you have outdoor furniture, it’s important to look after it properly so it will stay in good condition over the years. Remember to invest in UV and water-resistant<strong> </strong>chair covers<span style="text-decoration: underline;"><strong> </strong></span>and pillows in order to ensure you can enjoy your outdoor furniture without the hassle of replacing all your items. Here’s how to care for your furniture.</p> <p><strong>1. Wooden</strong></p> <p>To get your wooden outdoor furniture ready for use, clean with hot soapy water or a hardwood cleaning fluid at the beginning of the season. If the furniture is very dirty then you can lightly sand the furniture after cleaning. It is a good idea to oil or paint your outdoor furniture after cleaning.</p> <p>If you want your furniture to age naturally, then oil the furniture with two coats and leave to dry for 48 hours. Use hardwood oil for eucalyptus and teak oil for teak furniture. If you want your outdoor furniture to look new, then use a stained oil. If you want to completely transform your furniture then paint with 2-3 coats and it should last for roughly three years.</p> <p><strong>2. Metal</strong></p> <p>When you wash your metal outdoor furniture be sure to clean it with a non-abrasive cloth. If the furniture is made from steel, you need to treat any scratches that expose the bare metal underneath to prevent rust. If rust has already set it on your furniture, remove it using steel wool and then touch it up using an exterior metal paint of the same colour.</p> <p>If your furniture is made from aluminium, it won’t rust but it may suffer from aluminium oxidation. This won’t decrease the strength of the furniture but it will change the colour of the metal over time. To prevent this from happening, make sure you clean it regularly and store it away or keep it covered during the winter months.</p> <p>One tip to keep your metal furniture in pristine condition is to polish it with car wax after you have finished cleaning it. The wax will help the furniture be more water resistant.</p> <p><strong>3. Rattan</strong></p> <p>Synthetic rattan is UV and weather-resistant so it won’t be as worn out by the weather conditions. Whenever it needs a refresh, wash with soapy water. It is important to keep an eye on the frame underneath as if that is made from steel rather than aluminium, you will need to abide by the metal care rules.</p> <p><strong>4. Resin</strong></p> <p>Resin outdoor furniture is fairly easy to look after. Wash it regularly with soap to keep it in great condition. If there is dirt or stains that are particularly hard to get out, then wash your furniture with a pressure washer.</p> <p><em>Image credits: Getty Images</em></p>

Home & Garden

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Top End tourism surge after massive search for fake Aussie town

<p>In an absolute boon to Top End tourism, it appears that Google users have been working overtime trying to locate a little slice of Northern Territory paradise known as Agnes Bluff and its nearby neighbour Mia Tukurta National Park. Why, you ask? Because they're convinced it's the next hidden holiday hotspot. But here's the catch: it's completely made up.</p> <p>This newfound obsession with Agnes Bluff and Mia Tukurta National Park is all thanks to Amazon Prime's latest hit series, <em>The Lost Flowers Of Alice Hart</em>. People have been binge-watching the show and drooling over the stunning landscapes, causing Google searches for these places to shoot up like a rocket on a sugar rush. </p> <p>According to <a href="https://www.news.com.au/travel/australian-holidays/northern-territory/google-searches-surge-for-agnes-bluff-an-aussie-town-that-doesnt-exist/news-story/59f00cc1e89074de0e6464c0072ae4b8" target="_blank" rel="noopener">news.com.au</a>, Google searches for Agnes Bluff skyrocketed by a whopping 1640 per cent between July and August in Australia, and then another 40 per cent in September, all thanks to the series. And it's not just our fellow Aussies on the hunt for these mystical places – folks from Spain, Canada, the UK, the United States and Italy are also joining the imaginary treasure hunt.</p> <p>Can we blame them for trying to uncover these hidden gems? After all, in the show, Agnes Bluff and Mia Tukurta National Park look so darn spectacular that even the Loch Ness Monster might want to visit. But chin up, dear travellers! While you can't exactly book a one-way ticket to Fantasyland, you can still visit the real-life locations that inspired the series.</p> <p>This show was born from the creative genius of Aussie author Holly Ringland, who drew inspiration from her time living on Anangu land in Australia's Western Desert. In her news.com.au interview, she said, "To know people are Googling these places I fictionalised feels like a shot of joy straight to my heart – I don't know that there could be a greater compliment given to my writing." </p> <p>So, where was the series actually filmed? Well, it turns out they filmed all over Central Australia, including places like the Alice Springs Desert Park, Simpsons Gap, Ooraminna Station, Standley Chasm and Ormiston Gorge – just to name a few.</p> <p>And that crater that had everyone drooling? It's called Tnorala, or Gosses Bluff, and it's a mere 175km from Alice Springs.</p> <p>In fact, search interest in Gosses Bluff crater has hit a 15-year high in Australia, increasing by a whopping 500 per cent in August alone – so, it seems like people are genuinely eager to find their own piece of Alice Hart's world.</p> <p>Now, if you're wondering about the burning question that's on everyone's minds, it's this: "What is the crater in <em>The Lost Flowers for Alice Hart</em>?" And let me tell you, Gosses Bluff, or Tnorala, is the crater-du-jour.</p> <p>But here's the best part – this place is absolutely real; it's not a mirage or a figment of some writer's imagination. You can actually go there, touch it (not the crater itself, though), and breathe in the stunning views. Sure, you can't frolic inside the crater, but there are viewing points that will have you oohing and aahing like a kid in a candy store.</p> <p>And so, while Agnes Bluff and Mia Tukurta National Park might be the stuff of dreams, Gosses Bluff is the real deal. So it could be  ime to pack your bags, grab your camera and get ready for an adventure that's so real, it'll make your Google searches feel like a distant dream. </p> <p><em>Images: Prime Video</em></p>

Domestic Travel

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